Posted by William Charles on October 14, 2018
Deals

Published on October 14th, 2018 | by William Charles

1,295

[Expired] Personal Capital: $100 Amazon Giftcard For Linking An Investment Account Referral Bonus

Looks like all links are now $50 instead of $100. Updating post title to ‘Expired’

The Offer

  • Personal Capital is offering a referral bonus of a $100 for both parties when you use a referral link and link a qualified investment account. Offer valid only for new customers who link [within 30 days of signing up] a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) [and that account must have at least $1k balance]

 

Share Your Referrals

Feel free to share your referral links in the comments if you have the $100 offer. Do not share your link if you have a lower offer. Not everybody will be able to refer people and there are offers for $20/$50 and $100. Please only include a link to your offer and no additional text.

Our Verdict

Personal Capital is similar to Mint.com but focuses on investment accounts more than Mint. Previously they have offered a $20 Amazon gift card, then $50 and now $100.Looks like the $100 bonus is in the form of a $100 Amazon gift card If for some reason only some people are targeted for the $20/ $50 deal, DO NOT POST YOUR LINK FOR A WORSE DEAL. If readers do that, they will banned from posting links in this and future referral link posts.

Hat tip to readers FM (their link here)

 



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Sara Logan
Sara Logan

i just want to say, i signed up under Svy link for me and my 3 family members. so potentially $400 amazon gift cards coming your way! Glad to give back 🙂

Svy
Svy

Thanks for using! To ensure you receive your $100 x 4, please link unique qualifying investment accounts to each account w/i 30 days. Otherwise, the bonus will definitely not post. I ran into that issue with friends and family, and they were disappointed.

Pri
Pri

Svy can you explain please what this means, if each family member has their own 401k IRA with at least 1000 would that work?
Also I use Mint and trust it, I’m a little weary of using this, can you confirm if you’ve used this and it is reputable?

John McGrath
John McGrath

I’ve been using personal capital for over 3 years. I thought it was better than mint personally.

Svy
Svy

I think what you mentioned should work as long as those accounts have not been previously linked to another personal capital account (i.e. “virgin”). I have used their free service for more than two years and been an investment client for less than a year. If you trust mint’s security, then I would think you would not have an issue with PC’s security, which is as good or better.

Michael Saves

I’ve also used Personal Capital for several years, along with Mint. I trust them both.

Sara Logan
Sara Logan

Oh no worries, already got 3 out of 4 linked (those have at least 1k investments). The 4th im working on, had an issue with Robinhood linking. Will try it today again and i will get it linked before the 30 days.

Matt
Matt

Syv – I joined under you back on the 14 or 15th i believe pip***@hotmail.com but never received any emails from them besides confirming my appointment. Can you see if i am on your referal list? thanks!

Svy
Svy

Matt Matt Matt I see you signed up on 10/13/18 with pip***@hotmail.com. PC has been very slow in processing the GCs and only 20% of my signups from that day have received their GCs to date. The T&Cs give them 6 weeks to fulfill the promotion. Hopefully, it won’t take that long for you. Thanks for using my link!

William
William

@Svy – I joined under your link on the 24th using the email jfoodw*****@gmail.com, William G. Haven’t received any emails except my advisor call appt confirmation – can you see if I am on your referral list? Thank you!

Svy
Svy

William I only see jfo********@gmail.com; hopefully that is you? Thanks! Sorry for the delay in answering, but I overlooked your question until now.

MT
MT

I joined under your referral using hoover*@gmail.com and mysling*@gmail.com.

Can you check if I am on your list?

Svy
Svy

MT I don’t see any “mys” on my list and for “hoo” I only see hoo*********@gmail.com. Can you log into your mysling account for PC? If so, you may have used a different referral link to sign up?

MT
MT

yeah the hoo one is mine.thanks

Stuart Zimmerman
Stuart Zimmerman

dSvy- do you see my referral from you? both my wife signed up with you link within the last 2 weeks and have linked accounts but they have no record of using a referral link. the emails would be stuart@stuartand*****.com and butzi@sf****finder.com

Svy
Svy

Yes, I see it as tracking. I think it is pretty common not to receive any email messages for the promo. It should come through within 6 weeks of you fulfilling the terms, but you may need to give it the full six weeks though. Thanks!

Peek
Peek

Syv – I joined under your link on the 14th with email pet***@gmail.com and my account is setup and linked. Can you see if i am on your referral list? Thanks.

Svy
Svy

Peek Sorry for the delayed response. Unless you tag me, I may miss your question since there are so many posts here and I can’t access the site during the workday. I see pet**********@gmail.com and pet********@gmail.com. Hopefully, your is one of those?

Peek
Peek

Svy I assume one of those must be me. Thanks for checking.

Peek
Peek

Svy I received my gift card this morning and redeemed it. Thanks!

Sara Logan
Sara Logan

Svy, I havent received any of the 4 referral links… for me to make sure i get this paid out, can you send me your referral link to ritabandasak(at)hotmail(dot)com please so I have it for when they ask?

Svy
Svy

Sara Logan link sent to your address. None of the 10/14 signups have processed for me; PC is still working on 10/13.

Duke_390
Duke_390

Hi Svy,
I think I actually signed up under your referral link on Oct 14, but still haven’t received the GC confirmation email. Can you please check I am on your list of referrals? Email starts with ‘and’. Thank you.

Svy
Svy

Duke_390 I have two “and” with gmail and one with yahoo. I no longer see the dates, so you need to tell me how many * after “and” and before @, or if yahoo.com, you are likely good to go.

Duke_390
Duke_390

Svy, This is regarding my previous comment (Duke_390). I apologize, I signed up with a different email. It starts ‘nop’ instead of ‘and’. Just wondering if it tracked through your referral. Thank you.

Svy
Svy

only one of those: nop*****@gmail.com Thanks for using my link!

Luck
Luck

Svy

Hi Svy,

I signed up about a week ago using your link. Five different email addresses for five different 401k accounts.
bel*******@gmail.com
bel********************@gmail.com
*****nlh@vt.edu
*******n.biz@gmail.com
********en.biz@gmail.com

Can you check to see if it registered?

Thanks.

Svy
Svy

Luck I won’t be able to check on the last two unless you provide the first three letters or digits of those email addresses. Once you reply, I will check on all five. Thanks!

Luck
Luck

Hi Svy, first 3 of last 2 are gam and loc. Thanks.

Svy
Svy

Luck I see the following: gam*********@gmail.com, loc***********@gmail.com, bel*******@gmail.com, bel*********************@gmail.com, and ngu*****@vt.edu. So if you link a “virgin” qualifying investment account of $1k or more to each within 30 days of signing up, you should receive the $100 GC w/i 6 weeks of fulfilling the terms of the promo. However, the slow rate of fulfillment indicates it may take the full six weeks. Thanks for using my link!

Luck
Luck

Thanks for checking Svy!

AKSF
AKSF

What do you think happens if one links an account that is 1k at time of linking, but shortly after it falls below that (say $990 or $500 or whatever)? Do you think as long as it’s 1k at time of linking you get GC no matter what happens after that?

Duke_390
Duke_390

Thanks for checking Svy! I still haven’t received the GC notification but hoping they are just slow processing it.

Donny
Donny

Does this still work? Where is a link to use?

Kelly
Kelly

Does anyone know if this will work if you deleted your account with PC months ago? I don’t think I ever linked any accounts with them b/c I didn’t want them calling me trying to sell me on products.

Arty
Arty

Not this one, but for the regular $20 offer it didn’t work. I guess it doesn’t hurt to try. Or simply use an alternative email with accounts never linked before.

Kyle Hawkins
Kyle Hawkins

Thanks Svy!

bax
bax

Does the referral bonus apply for manually linked investment acccount? Currently PC doesn’t seem to support linking TradeKing / Ally Invest, except manually.

Ann
Ann

A ‘manual’ account in PC just means you type in an account name and current value, which could be anything you make up, so I don’t think they would count those.

Mark
Mark

I’m not familiar with mint.com, but is this place like saverlife, where you just let them look at your account, and they will pay you for that?

mjs
mjs

It’s basically an aggregator where you can input all your banks, investments, and credit cards in one place where you can log-in and see transactions without having to go to each one separately.

I’ve used it for a few years and it’s very good and works well– especially when you consider all the various websites it has to pull from. It also has a decent retirement planner. All for free.

The only piece of advice I have is DO NOT give them your primary phone number (you still have to give them one for two-party authentication), as maybe every 3 months I get a cold call from an adviser. Other than that, it saves me a lot of time monitoring for rouge transactions across multiple banking and credit card accounts I have

Justin

They kept calling me every few months and eventually I told them outright that I’m not interested in advisory services and the calls have stopped. Been using Personal Capital 5 years now for the free financial/wealth tracking stuff.

Full disclosure: I have a financial independence/early retirement blog and make a bunch of $ through their affiliate program, but this has been my experience – just tell them you are not interested and please don’t call me again. Assertiveness FTW.

Jim
Jim

There’s no need for assertiveness if one just uses a proper caller ID/blocking app on their cell phone. I blocked these guys after their very first call.

Why waste energy when you don’t have to?

arihalli
arihalli

MJS, so what is the cost of this service? I can’t seem to find it on their site. Thanks!

mjs
mjs

Did you miss the part where I said clearly “All for free”?

I think they have a pretty good business model. I don’t think the aggregation costs them a lot once they have it running, and incrementally someone joining probably costs near zero. At the same time, they can see who is “wealthy” enough to target (and to be fair maybe some people who are not optimized on their investing), and cold call them every so often as well as have a “speak to an advisor” option inside the website.

I’m sure they get enough business from people who can see through some of their tools it may be worth talking to an advisor from the various simulations you can run on your own, and they are a path of least resistance for some who don’t already have a personal advisor.

Waingro
Waingro

Thank you for the tip about the phone number! I created a Google Voice # just for this. And yes, they have been calling and texting it.

Jeremy K
Jeremy K

https://www.personalcapital.com/terms-of-use/#referral

“Using an ad blocker may adversely affect our ability to determine your account eligibility in the program. Final determination of eligibility is at the sole discretion of Personal Capital.”

Snorlax
Snorlax

Of course, this applies to all referrals everywhere, including cash back portals. I’m hoping people aren’t using referral links in a browser with adblockers.

Omi
Omi

Any idea on when the amazon gift card arrives? I signed up for the service but never got a confirmation email

garybg
garybg

Per the terms: “All awards will be electronically delivered within six weeks from registration to the user’s email provided in the registration process.”

lenin1991
lenin1991

I didn’t get any confirmation email, but I signed up yesterday and got an app notification today that I’ll be getting an Amazon gc (no details however).

Michael Saves

The terms and conditions say 6 weeks. I contacted PC and was able to confirm that as well.

Ditto
Ditto

Quick DP: I applied through the $50 link that was up yesterday (I think?). I linked a qualifying account immediately and got an e-mail with the gift card a few hours ago.

Paul Vape
Paul Vape

“Please note Bank, Credit or Debit Cards, PayPal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, and Manual Investment Accounts do not count towards the giveaway.”
I signed up via FM’s link btw. Thanks Doc!

steven
steven

Can someone point me where to go to create my own referral? Used one of the above to make my account, but would love to be able to refer the mrs to make an extra $100. Thanks in advance.

J
J

You may access this newest referral offer upon signing out of your Personal Capital account, at which time an offer to refer new members will appear, either with the $100 Amazon Gift Card bonus or with no bonus if you are not targeted for the offer.

Ann
Ann

Signing out makes no change in the offer available to me, still the dang $20 version. 🙁 I was so glad to finally get access to that one a few weeks ago, and then wham, they make it worthless.

bt
bt

Can’t seem to generate a link either, that’s unfortunate as I’ve been using it for a while now. Maybe its only for users who use their guidance feature.

CLH Comment
CLH Comment

It looks like any new user is eligible for the bonus, just by linking an investment account. But it sounds like only those that use personal capital for investments are given referral links.

Also 1099 if $600+ in gift cards.

https://www.personalcapital.com/terms-of-use/#referral

“Personal Capital investment clients are allowed to participate in this program by referring new users only and may also receive 3 months free if the referred user becomes a trading client. “

CLH Comment
CLH Comment

I don’t have time to try this out*, but I wonder if someone that signed up for their investment services would get referral links? 0.89% is a pretty steep fee in today’s environment, but much more reasonable on a small** amount and if getting big referral bonuses as well. – Also may not be a bad rate if you truly want advising services.

* This account has a real advisor, they are going to want to talk to you.
** Not certain what the minimum investment amount is.

Ann
Ann
Michael Saves

I actually signed up for the investment services, despite the fee, back in 2016. I gave them a year to see what happened. They’ve done a really great job so far. Sometimes they’ll throw a few months of free investment services my way if someone signs up with my code, but that doesn’t happen to me often.

Sue
Sue
jassi
jassi

Thanks. Their link to ETrade sucks. It keeps saying user/pw is not working. I’ve confirmed it in a separate tab.

Dan Thomas
Dan Thomas

ME TOO. It won’t link. No matter how many times I try. The password is correct god damn it.

DanTheMann
DanTheMann

I’m running in to the same fucking problem!

James
James

Used your link, thank you!

Bobby Fischer
Bobby Fischer

used your link, thanks

FS
FS

I just signed up using your link.

R.M
R.M

signed up with your link

tdjones
tdjones

I also signed up with your link

Melon Gain
Melon Gain

I used this link too. Sue is gettin’ PAID next month

AndreyD
AndreyD

Used your link, thanks!

Yifu
Yifu

I used your link. Thanks a bunch.

Sue
Sue

Oh wow! Thanks a lot! As far as what works, personally I have my Fidelity and Schwab linked to them. They picked those up without isssues.

YIFU
YIFU

Can you check whether my email is on your list?
My email is 303***@qq.com. Thanks

Ivan
Ivan

Used your referral, thanks!

Jason
Jason

Thanks! I signed up and linked my investment account.

Ismael
Ismael

Thanks. Just signed up.

El Guapo
El Guapo

I used your link this week and got my 100 bonus yesterday. Sue is cashing in. Good on you, Sue. You go.

Becks
Becks

Woo seeing the comments there’s atleast 15 referral signups . Thats a good amount of Amazon stuff to splurge upon.

Mark
Mark

can you please check whether n*****6@gmail.com is in your account list. I fulfilled the conditions on Monday

Sue
Sue

Hi Mark – need the first 3 letters of the email, as that’s all Personal Capital shows, thanks!

Mark
Mark

nov
Thanks for looking into that

Sue
Sue

Mark – do see one for nov*@gmail.com, shows “invited” with a valid date so far. Thanks!

Mark
Mark

perfect thanks. I connected my vanguard already a week ago, so hopefully they will get it right.

SC
SC

Hi Sue
Can you check on the following referral?
Ste******_****@yahoo.com
And
Vic***.and.*********@gmail.com
Thanks.

Sue
Sue

Hi SC – No Ste*@yahoo.com on my list, sorry about that. I do see one for vic*@gmail.com, it shows “invited.” I’m assuming that means Personal Capital has not detected a linked investment account yet with at least $1K. Thanks for using my link by the way!

SC
SC

Thanks Sue . The vic*@gmail.com had a transfer happen after linking so that might be the problem. If you don’t see ste*@yahoo.com, what about ste*******@gmail.com?

Sue
Sue

Hi SC, yes, if it’s gmail, I do see one for ste*@gmail.com, shows invited as well with a valid date. Thanks!

SC
SC

Hey Sue, I received the gift card for ste*@gmail.com today! Thanks for the referral! Can you check on my husbands vic***.***.*********@gmail.com? Since you last checked, he linked another account with > 1K balance to it.
Thanks!

SC
SC

Forgot to tag you, Sue . Can you check my previous message? Thanks!

Allen
Allen

Hey Sue, Signed up with your link a few days ago. Do you see one with alle****@gmail.com?

Sue
Sue

Hi Allen – thanks for using my link! I do see one for all*@gmail.com, it shows “invited” right now with a good date. Thanks again.

Allen
Allen

Thanks Sue! That’s weird I already added a bunch of investment accounts. I added some more, could you check the status again for alle****@gmail.com? Not sure if I’ve hit the criteria or if I need to contact support

Sue
Sue

Hi Allen – still shows Invited. There may be a huge backlog right now. I’m guessing there’s been tremendous response, perhaps they’re lagging on fulfilling? I’ve emailed support as well to see if there’s a status update.

SA
SA

Player 2 signed up using your link.

Andy
Andy

Hi Sue, I used your link to sign up. Can you help check if my email and****tal@gmail.com is on your account list? Thx 🙂

Sue
Sue

Hi Andy – I do see and*@gmail.com with valid date and “invited”. But I haven’t seen GCs come through lately on my end either, I think they’re really backlogged now. Terms say 6 weeks, hopefully it’s not that long.

prfstrkr
prfstrkr

Use your link. Thanks! Could you verify if j2****@yahoo.com is in your list?

Sue
Sue

Hi – I do see j2*@yahoo on the list with a date and invited, thanks!

Anks
Anks

Sue, Used your referral can you check at your end if its verified An***22@yahoo.com

Sue
Sue

Hi – I see one for ank*@yahoo.com with valid date and invited. But they may be backlogged right now.

Anks
Anks

Thank you.

Anks
Anks

Hi Sue, Can you confirm if there is a way to see if ank**ha22@yahoo.com is within your 30 referral limit?. Thanks.

Jayne
Jayne

Used your link. Thank you!

Khanh
Khanh

Signed up with yours, lov****gmail.com

Sue
Sue

I do see lov*@gmail.com with invited and a date, thanks!

Justin
Justin

Used your link! Thank you!

Glen Gomez
Glen Gomez

I used your link too, let’s see.

Alp!
Alp!

Thanks Sue. Signed up and linked piz******3@outlook.com. Keep ’em rolling!

Sue
Sue

I do see a piz*@outlook.com with valid date and invited, thanks!

Chris
Chris

Used your link! I hope it works

J Ro
J Ro

Used your link. ph…..12@gmail.com

Sue
Sue

I see a phy*@gmail.com with valid date and shows invited, thanks.

kelli
kelli

I used your link thanks so much

DP
DP

Hi Sue, can you check referral status for email starting with “nru”? Signed up and linked 1K account today. Thanks!

Sue
Sue

Hi – I do see nru**@nrudd.com showed invited with a valid date, thanks!

CJ
CJ

Used your link, Sue! I was able to link my NYC deferred compensation account as well, though I had to be super precise when choosing what account showed up during my search. Do you see my email (nap***@gmail.com) in your list of referrals?

Sue
Sue

I do see a nap*@gmail.com with valid date and invited, thanks!

SA
SA

Sue Player 2 used your link on Friday. Can you please check if the email shows up fine. The email id is: vij*******t@gmail.com

Sue
Sue

Hi I do see vij*@gmail.com with valid date and invited as well, thanks!

SA
SA

Player 2 got her gift card this afternoon. Signed up on Oct 19.

KS
KS

A little late but I used your link, hope it worked
First 3 letters of email is kst

Sue
Sue

Hi – I do see one for kst**@utexas.edu with valid date and invited, thanks!

J L
J L

Thanks Sushen Kung. I just got it after about a week. They tried to tell me my robinhood account wasn’t a real broker so they could only give me $20 but I told them the terms and conditions didn’t say that after about a week of back and forth emails they agreed. I just got the full $100

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Sue used your link and linked fidelity w $1000+ can you check status of my referral please?

Sue
Sue

Hello Dan – need 3 letters of your email. Only thing I can see. Thanks much.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Sue my email starts with dph @jcu.edu

Sue
Sue

I do see it, thanks. I think there’s a currently a backlog though in sending out the GCs.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Sue Do you have any status on dph @jcu.edu

ra
ra

Sue, used your link 10/24

ra
ra

Sue, my email starts w. rev @gmail.com — in case you want to check

ra
ra

I never got the gift card using Sue’s link . . . should I send them an email?

ra
ra

actually I did get it — $100 ( though email said $50) please disregard earlier message, thanks

auro
auro

Used your link. Thanks for sharing. Can you please check if you can see my email in your referral yet? It’s die****a@gmail.com

Sue
Sue

Hi – I do see die*@gmail.com, showed invited, thanks!

auro
auro

I got an email for $20 i linked my 529 account which has 3k+
Is the link for $100 at all?

Tony L
Tony L

Hi Sue, I used your link and also my wife. Did you see my email? We signed up earlier this week. Sue ton********1@aol.com and jac*******@gmail.com

Sue
Sue

Sorry Tony…Do not see either of these…only have jac*@icloud.com.

Quinn
Quinn

Hi, I just used your link with the email address luc……@gmail.com

Jesus
Jesus

Hi Sue. I used your link. Can you check if dix********@gmail.com is in your list of accounts?

Duke_390
Duke_390

Hi Sue. I signed up using your referral link on 10/14. Can you please check I am on the list of your referrals? Email starts with and. Thanks!

Rohan
Rohan

I signed up using your link. Can you check if you have rsp..85@gmail.com in your list?Thanks

Sue
Sue

I now see there may be a limit of 30 people! The promotional email I got specifically says there’s no limit to the number of people you can invite, so that’s what I assumed. That’s pretty ridiculous to then hide the limit in the fine print. For now, please do not use my referral anymore to sign up, I’m really sorry about this, did not know there is a hidden limit.
William Charles Chuck Can you remove my link or at least edit my first comment so people know? Thank you.

Chuck

I remember seeing someone on Reddit mention 100 (?) limit. Wonder if they lowered it now to 30.

Sue
Sue

Chuck – After reading the terms, it says 30 a month and 100 lifetime. Since everyone signed up recently it’s basically 30 people. But then they also advertise there is no limit of the number of referrals you can invite. I just emailed them to complain, but not sure if it’ll do anything. I’m guessing they’re going to argue semantics probably – saying something like that there is no limit you can “invite” but there is a limit to the gift cards. Pretty shady. Makes me think hard about moving my investments elsewhere.

Rohan
Rohan

I received $100 amazon 2 days ago.

Mike
Mike

Can you check if you ever received a link from pc1…@mike….net? I signed up on Oct 16th, but still haven’t received anything.

Nate
Nate

I’ve tried these sign ups twice now for the $20 amazon gc and never received anything. I’ve used two different emails and different banks in the past, anyone know if possible to actually make this thing work now and make a third account?

lenin1991
lenin1991

On the previous attempts, did you link an investment account — not a bank — that had at least $1000 in it?

Nate
Nate

No investment account just banks

Ismael
Ismael

It must be an investment account. Bank accounts do not qualify.

John
John

Anyone know how to see if one can refer a friend if I already have an account?

Ann
Ann

It will be splashed all over the site if you can. Top bar and front page when signed in, and on the page you end up on after signing out.

El Guapo
El Guapo

I see a referral link when I sign out, but it makes no mention of any bonus for me or for the referred person. Is that right?

arihalli
arihalli

How long does one have to maintain the account after they receive the Amazon card?

dudeious
dudeious

i’d like to know this too

FM
FM

Gift card shows up the next morning after signing up and linking the appropriate investment account with a balance of at least $1000. I’ve received several gift cards this week always the next morning after somebody completed the criteria

Rolando Gonzalez
Rolando Gonzalez

I signed up with your link r…@me.com

arihalli
arihalli

Whoops. I just found the fee. Its .89% (as CLH mentioned). Sorry about that. On 200k its $18 per month. I won’t be trying this out even for a free Amazon card. Its exhorbitant expense in my book.

steven
steven

You don’t have to use the premium features, they have a freemium model where a portion of their site is free but you can pay for the premium features.

Ferris
Ferris

FYI, 0.89% fee on 200K is $148.33 fee per month.

FM
FM

I don’t think you understand how this works. They have a free service which functions similarly to mint.com and that’s all you need to sign up for to receive the credit. They also have a financial advisory arm which is the fee-based portion but no obligation to sign up for that. Again, the base service for investment visualization and view-aggregation is entirely free

Snorlax
Snorlax

You don’t have to use their investment services, you can just use it like Mint for free.

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